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http://www.cnbc.com/2016/01/07/lock-in-now-stock-sell-off-sinks-mortgage-rates.html
"You may be losing your shirt in the stock market this week, but you could get a leg up on your home loan. As investors flee stocks, they are heading to bonds, and as a result, mortgage interest rates are falling. Mortgage rates ended 2015 at their highest level in nearly six months, but have since dropped precipitously.
"Bond markets continue defying the odds so far in 2016," wrote Matthew Graham, chief operating officer of Mortgage News Daily."
Wish I could, but I am not able to apply until around the first part of February.